Business Owners Policy (BOP) Insurance in Tennessee

One Accident, One Lawsuit—Are You Covered?

Many small and mid-sized businesses face the same challenge: they need solid protection, but navigating multiple separate insurance policies can be confusing, time-consuming, and expensive.


A Business Owners Policy (BOP) solves this by bundling essential coverages into one streamlined package—typically including general liability, commercial property, and often business income or interruption coverage. For many businesses, a BOP delivers broader protection with fewer coverage gaps, simplified management, and better overall value compared to purchasing standalone policies.

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Core Protection in One Package

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General Liability

Helps cover claims involving third-party injuries, property damage, or common lawsuits like slip-and-falls.

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Commercial Property

Protects your building (if owned), tenant improvements, equipment, inventory, and contents from covered losses like fire or theft.

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Business Income / Interruption

Helps replace lost income and pay ongoing expenses if a covered loss temporarily shuts down operations.

Note:

Coverage details vary by carrier and business type—we review limits and endorsements with you to ensure it fits how you operate.

Designed for Small & Mid-Sized Businesses

BOPs are commonly a good fit for:

  • Retail shops and storefronts: Ideal for businesses that need liability protection for customers and coverage for inventory, displays, and in-store equipment.

  • Professional offices and service businesses: Well-suited for offices that need property and liability coverage for leased or owned spaces, equipment, and day-to-day operations.

  • Restaurants and small hospitality businesses: A strong fit for establishments that need bundled coverage for customer liability, kitchen equipment, and business interruption risks.

  • Contractors with offices or equipment: Works well for contractors who have an office, warehouse, or owned tools and equipment that need property and liability protection.

  • Multi-location small businesses: Efficient for businesses operating in multiple locations that want consistent coverage and simplified policy management under one package.

If your business has moderate revenue, a physical location, and standard risks, a BOP is often the most efficient solution.

BOP vs. Other Business Insurance Options

General liability covers third-party injuries and property damage only, while a Business Owners Policy (BOP) adds property coverage and often business interruption for more complete protection. For larger or higher-risk businesses needing customization, a Commercial Package Policy (CPP) may be a better fit—we’ll help you choose the right option based on your business.

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Business Owners Policy (BOP) FAQs

  • Is a Business Owners Policy required in Tennessee?

    A BOP is not legally required, but many landlords, lenders, and contracts require the coverages included in one—especially general liability and property insurance. A BOP is often the easiest way to meet those requirements in one policy.

  • Can I customize a BOP for my business?

    Yes. While BOPs are standardized, they can be customized with endorsements such as equipment breakdown, cyber liability, hired/non-owned auto, or higher liability limits. We’ll tailor the policy based on how your business actually operates.

  • What types of businesses don’t qualify for a BOP?

    Businesses with very high risk, unusual operations, or large revenue may not qualify for a standard BOP. In those cases, a Commercial Package Policy (CPP) or standalone policies may be a better fit.

  • How quickly can I get a BOP quote or certificate of insurance?

    In many cases, we can provide a quote within one business day once we have basic details. Certificates of insurance (COIs) are typically issued quickly once coverage is bound.

Not Sure If a BOP Is Right for Your Business?

We’ll review your business, compare a BOP against other coverage options, and explain the differences in plain language. You’ll get a clear, honest recommendation based on your risks and budget—no pressure, no obligation..

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Let's Talk

Simple, Bundled Protection for Your Business

A Business Owners Policy helps protect your livelihood from common risks—without juggling multiple policies. Get clear guidance and the right coverage from The Bill Yon Agency.